Judge John Hodgman on Getting the Most Out of Cash-Back Rewards

By John Hodgman

Oct. 13, 2017

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CreditCreditIllustration by Kyle Hilton

Kenny writes:My wife and I recently consolidated our bank accounts. I’d like us to use the credit card for all possible purchases because we get cash-back rewards. But my wife prefers the debit card — which offers no rewards — only because it’s been in her wallet for 10 years. Please order her to use the credit card.

Congrats on enhancing the emotional bond of marriage with all the anxiety, drudgery and recrimination potential of a financial partnership. While I appreciate your wife’s desire to keep her childhood blankey of a debit card, it’s time to grow up, and growing up means loyalty programs! Just last night I got some new sneakers with points, and I am thrilled because they are great for my heel spurs. You’re welcome for this glimpse into your grim future!

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A version of this article appears in print on , on Page 22 of the Sunday Magazine with the headline: Bonus Advice From Judge John Hodgman. Order Reprints | Today’s Paper | Subscribe